Employee Banking Service Officer

Role Overview

Employee Banking Service Officer at RAK BANK. The role is based in the United Arab Emirates and involves acquiring new customers and promoting Retail Banking products through direct sales, relationship management, and business development activities.

Role Purpose

To acquire new customers and promote RAK BANK's Retail Banking products including Credit Cards, Personal Loans, Payroll Accounts, and cross-sell products while maintaining high standards of customer service, regulatory compliance, and ethical sales practices.

Key Responsibilities

Customer Acquisition & Sales

• Promote Retail Banking products including Credit Cards, Personal Loans, Payroll Accounts, and cross-sell products.
• Generate new business through company tie-ups, payroll relationships, outdoor sales activities, and referrals.
• Achieve assigned sales targets and business volumes across multiple product lines.
• Identify customer needs and provide suitable banking solutions.

Relationship Management

• Build and maintain strong relationships with customers and corporate clients.
• Conduct customer meetings, presentations, roadshows, and promotional activities.
• Deepen existing customer relationships through cross-selling and upselling opportunities.
• Ensure a positive customer experience throughout the sales journey.

Business Development

• Approach companies and key decision-makers to establish payroll and retail banking relationships.
• Develop new opportunities to grow the customer base within assigned markets and territories.
• Stay informed on competitor products and sales practices to identify market opportunities.

Governance & Compliance

• Ensure compliance with Central Bank regulations, CPF requirements, and Bank policies.
• Follow ethical sales practices and avoid any form of mis-selling or inappropriate product recommendations.
• Maintain accuracy and integrity in all customer interactions and documentation.
• Escalate exceptions and risk-related concerns as required.

Collaboration & Operational Excellence

• Work closely with Credit, CROPS, and Sales Management teams to facilitate business processing.
• Ensure timely follow-up on customer applications and sales leads.
• Contribute to team objectives while maintaining high productivity and service standards.

Qualifications & Experience

• Bachelor's Degree.
• Minimum 1–3 years of experience selling Retail Banking products with a bank.
• Proven experience in direct sales, customer acquisition, or relationship management within Retail Banking.

Skills & Competencies

• Strong sales and customer acquisition skills.
• Excellent communication skills in English; Arabic is preferred.
• Relationship-building and networking capabilities.
• Strong customer focus and service orientation.
• Problem-solving and negotiation skills.
• Ability to work in a target-driven environment.
• Good understanding of Retail Banking products and sales processes.
• Collaboration and teamwork skills.